However, a person's retirement investment funds that go to those equity markets in search of bigger paydays are funds that're generally never going to be availa

However, a person's retirement investment funds that go to those equity markets in search of bigger paydays are funds that're generally never going to be available to loan for local development in thousands of communities where such a person lives. Big US banks are federally required to provide local lending to some degree, but overall isn't the effect still a lot like brain drain?